Adults · CHF 300 deductible · with accident cover · 2027
Premiums by canton and model
| Canton | Standard | GP/HMO | Flex | Telemedicine and other |
|---|---|---|---|---|
| Aargau | CHF 615.00 | CHF 522.70up to CHF 553.50 | CHF 516.60 | CHF 516.60up to CHF 565.80 |
| Appenzell Inner Rhodes | CHF 444.00 | CHF 386.20up to CHF 408.40 | CHF 390.70 | CHF 381.80up to CHF 408.40 |
| Appenzell Outer Rhodes | CHF 569.00 | CHF 495.00up to CHF 523.40 | CHF 500.70 | CHF 477.90up to CHF 523.40 |
| Basel-City | CHF 741.00 | CHF 622.40up to CHF 659.40 | CHF 637.20 | CHF 629.80up to CHF 681.70 |
| Basel-Country2 premium regions | CHF 651.00up to CHF 695.00 | CHF 553.30up to CHF 632.40 | CHF 566.30up to CHF 604.60 | CHF 572.80up to CHF 639.40 |
| Bern3 premium regions | CHF 604.00up to CHF 664.00 | CHF 525.40up to CHF 597.60 | CHF 519.40up to CHF 584.30 | CHF 513.40up to CHF 610.80 |
| Fribourg2 premium regions | CHF 598.00up to CHF 647.00 | CHF 514.20up to CHF 569.30 | CHF 532.20up to CHF 575.80 | CHF 502.30up to CHF 595.20 |
| Geneva | CHF 785.00 | CHF 651.50up to CHF 706.50 | CHF 667.20 | CHF 667.20up to CHF 722.20 |
| Glarus | CHF 534.00 | CHF 464.50up to CHF 491.20 | CHF 475.20 | CHF 464.50up to CHF 491.20 |
| Graubünden3 premium regions | CHF 529.00up to CHF 574.00 | CHF 449.60up to CHF 528.00 | CHF 460.20up to CHF 499.30 | CHF 460.20up to CHF 528.00 |
| Jura | CHF 710.00 | CHF 617.70up to CHF 653.20 | CHF 631.90 | CHF 603.50up to CHF 653.20 |
| Lucerne3 premium regions | CHF 546.00up to CHF 578.00 | CHF 475.00up to CHF 531.70 | CHF 475.00up to CHF 502.80 | CHF 458.60up to CHF 531.70 |
| Neuchâtel | CHF 729.00 | CHF 619.60up to CHF 648.80 | CHF 626.90 | CHF 612.30up to CHF 670.60 |
| Nidwalden | CHF 512.00 | CHF 445.40up to CHF 471.00 | CHF 455.60 | CHF 445.40up to CHF 471.00 |
| Obwalden | CHF 500.00 | CHF 435.00up to CHF 460.00 | CHF 445.00 | CHF 435.00up to CHF 460.00 |
| Schaffhausen2 premium regions | CHF 611.00 | CHF 519.30up to CHF 549.90 | CHF 531.50up to CHF 543.70 | CHF 519.30up to CHF 562.10 |
| Schwyz | CHF 544.00 | CHF 473.20up to CHF 500.40 | CHF 473.20 | CHF 462.40up to CHF 500.40 |
| Solothurn | CHF 623.00 | CHF 542.00up to CHF 560.70 | CHF 548.20 | CHF 535.70up to CHF 573.10 |
| St. Gallen3 premium regions | CHF 513.00up to CHF 588.00 | CHF 446.30up to CHF 535.00 | CHF 456.50up to CHF 517.40 | CHF 451.40up to CHF 540.90 |
| Thurgau | CHF 577.00 | CHF 501.90up to CHF 530.80 | CHF 496.20 | CHF 484.60up to CHF 530.80 |
| Ticino2 premium regions | CHF 678.00up to CHF 756.00 | CHF 589.80up to CHF 695.50 | CHF 603.40up to CHF 665.20 | CHF 596.60up to CHF 695.50 |
| Uri | CHF 492.00 | CHF 428.00up to CHF 452.60 | CHF 437.80 | CHF 423.10up to CHF 452.60 |
| Valais2 premium regions | CHF 579.00up to CHF 631.00 | CHF 497.90up to CHF 574.20 | CHF 515.30up to CHF 555.20 | CHF 497.90up to CHF 580.50 |
| Vaud2 premium regions | CHF 685.00up to CHF 726.00 | CHF 582.20up to CHF 660.60 | CHF 589.10up to CHF 624.30 | CHF 595.90up to CHF 667.90 |
| Zug | CHF 411.00 | CHF 357.50up to CHF 378.10 | CHF 365.70 | CHF 357.50up to CHF 378.10 |
| Zurich3 premium regions | CHF 594.00up to CHF 676.00 | CHF 493.00up to CHF 608.40 | CHF 504.90up to CHF 574.60 | CHF 510.80up to CHF 621.90 |
Each cell shows the lowest premium among the models of that type; “up to” = highest premium across premium regions and tariffs. Until 2026, telemedicine and other models cover all models that the FOPH lists as “other”. Source: FOPH, health insurance premiums 2027, opendata.swiss; localities © swisstopo; as of 15.10.2026
Total cost in the “healthy” scenario
Cheapest tariffs by canton
For each canton, the Helsana tariff with the lowest premium. Total cost per year with CHF 500 in healthcare costs (premium plus deductible and retention fee, as in the calculator); saving compared with the Helsana standard model in the same region.
Aargau
Helsana BeneFit PLUS Flexmed
Premium / month
516.60
CHF
Total / year
CHF 6,519
Saving
−1,181
CHF / year
Appenzell Inner Rhodes
Helsana BeneFit PLUS Telemed
Premium / month
381.80
CHF
Total / year
CHF 4,902
Saving
−746
CHF / year
Appenzell Outer Rhodes
Helsana BeneFit PLUS Telemed
Premium / month
477.90
CHF
Total / year
CHF 6,055
Saving
−1,093
CHF / year
Basel-City
Helsana BeneFit PLUS Hausarzt R1
Premium / month
622.40
CHF
Total / year
CHF 7,789
Saving
−1,423
CHF / year
Basel-Country
Helsana BeneFit PLUS Hausarzt R1 · region 2
Premium / month
553.30
CHF
Total / year
CHF 6,960
Saving
−1,172
CHF / year
Bern
Helsana BeneFit PLUS Telemed · region 3
Premium / month
513.40
CHF
Total / year
CHF 6,481
Saving
−1,087
CHF / year
Fribourg
Helsana BeneFit PLUS Telemed · region 2
Premium / month
502.30
CHF
Total / year
CHF 6,348
Saving
−1,148
CHF / year
Geneva
Helsana BeneFit PLUS Hausarzt R1
Premium / month
651.50
CHF
Total / year
CHF 8,138
Saving
−1,602
CHF / year
Glarus
Helsana BeneFit PLUS Hausarzt R1
Premium / month
464.50
CHF
Total / year
CHF 5,894
Saving
−834
CHF / year
Graubünden
Helsana BeneFit PLUS Hausarzt R1 · region 3
Premium / month
449.60
CHF
Total / year
CHF 5,715
Saving
−953
CHF / year
Jura
Helsana BeneFit PLUS Telemed
Premium / month
603.50
CHF
Total / year
CHF 7,562
Saving
−1,278
CHF / year
Lucerne
Helsana BeneFit PLUS Telemed · region 3
Premium / month
458.60
CHF
Total / year
CHF 5,823
Saving
−1,049
CHF / year
Neuchâtel
Helsana BeneFit PLUS Telemed
Premium / month
612.30
CHF
Total / year
CHF 7,668
Saving
−1,400
CHF / year
Nidwalden
Helsana BeneFit PLUS Hausarzt R1
Premium / month
445.40
CHF
Total / year
CHF 5,665
Saving
−799
CHF / year
Obwalden
Helsana BeneFit PLUS Hausarzt R1
Premium / month
435.00
CHF
Total / year
CHF 5,540
Saving
−780
CHF / year
Schaffhausen
Helsana BeneFit PLUS Hausarzt R1 · region 2
Premium / month
519.30
CHF
Total / year
CHF 6,552
Saving
−1,100
CHF / year
Schwyz
Helsana BeneFit PLUS Telemed
Premium / month
462.40
CHF
Total / year
CHF 5,869
Saving
−979
CHF / year
Solothurn
Helsana BeneFit PLUS Telemed
Premium / month
535.70
CHF
Total / year
CHF 6,748
Saving
−1,048
CHF / year
St. Gallen
Helsana BeneFit PLUS Hausarzt R1 · region 3
Premium / month
446.30
CHF
Total / year
CHF 5,676
Saving
−800
CHF / year
Thurgau
Helsana BeneFit PLUS Telemed
Premium / month
484.60
CHF
Total / year
CHF 6,135
Saving
−1,109
CHF / year
Ticino
Helsana BeneFit PLUS Hausarzt R1 · region 2
Premium / month
589.80
CHF
Total / year
CHF 7,398
Saving
−1,058
CHF / year
Uri
Helsana BeneFit PLUS Telemed
Premium / month
423.10
CHF
Total / year
CHF 5,397
Saving
−827
CHF / year
Valais
Helsana BeneFit PLUS Hausarzt R2 · region 2
Premium / month
497.90
CHF
Total / year
CHF 6,295
Saving
−973
CHF / year
Vaud
Helsana BeneFit PLUS Hausarzt R1 · region 2
Premium / month
582.20
CHF
Total / year
CHF 7,306
Saving
−1,234
CHF / year
Zug
Helsana BeneFit PLUS Hausarzt R1
Premium / month
357.50
CHF
Total / year
CHF 4,610
Saving
−642
CHF / year
Zurich
Helsana BeneFit PLUS Hausarzt R1 · region 3
Premium / month
493.00
CHF
Total / year
CHF 6,236
Saving
−1,212
CHF / year
2026 → 2027
Change from the previous year
| Canton | 2026 | 2027 | Change | Average of all insurers |
|---|---|---|---|---|
| Aargau | CHF 576.00 | CHF 615.00 | +6.8% | +4.8% |
| Appenzell Inner Rhodes | CHF 494.00 | CHF 444.00 | −10.1% | +4.4% |
| Appenzell Outer Rhodes | CHF 551.00 | CHF 569.00 | +3.3% | +4.7% |
| Basel-City | CHF 684.00 | CHF 741.00 | +8.3% | +3.7% |
| Basel-Country | CHF 653.00 | CHF 673.00 | +3.1% | +4.0% |
| Bern | CHF 599.33 | CHF 638.00 | +6.5% | +3.9% |
| Fribourg | CHF 569.50 | CHF 622.50 | +9.3% | +3.9% |
| Geneva | CHF 722.00 | CHF 785.00 | +8.7% | +1.9% |
| Glarus | CHF 542.00 | CHF 534.00 | −1.5% | +3.9% |
| Graubünden | CHF 538.67 | CHF 544.00 | +1.0% | +3.7% |
| Jura | CHF 681.00 | CHF 710.00 | +4.3% | +4.8% |
| Lucerne | CHF 548.00 | CHF 556.67 | +1.6% | +4.5% |
| Neuchâtel | CHF 661.00 | CHF 729.00 | +10.3% | +3.3% |
| Nidwalden | CHF 511.00 | CHF 512.00 | +0.2% | +4.2% |
| Obwalden | CHF 505.00 | CHF 500.00 | −1.0% | +3.8% |
| Schaffhausen | CHF 568.50 | CHF 611.00 | +7.5% | +4.5% |
| Schwyz | CHF 544.00 | CHF 544.00 | +0.0% | +3.9% |
| Solothurn | CHF 582.00 | CHF 623.00 | +7.0% | +4.8% |
| St. Gallen | CHF 547.00 | CHF 550.33 | +0.6% | +3.9% |
| Thurgau | CHF 558.00 | CHF 577.00 | +3.4% | +4.6% |
| Ticino | CHF 703.50 | CHF 717.00 | +1.9% | +4.0% |
| Uri | CHF 508.00 | CHF 492.00 | −3.1% | +4.1% |
| Valais | CHF 555.50 | CHF 605.00 | +8.9% | +3.6% |
| Vaud | CHF 679.00 | CHF 705.50 | +3.9% | +2.6% |
| Zug | CHF 430.00 | CHF 411.00 | −4.4% | +2.8% |
| Zurich | CHF 599.33 | CHF 630.00 | +5.1% | +4.8% |
Reference: the insurer’s lowest standard tariff, averaged across its premium regions in the canton (adults, CHF 300 deductible, with accident cover). Source: FOPH premiums for both years.
Frequently asked questions
How much are Helsana premiums in 2027?
For adults in the standard model with a CHF 300 deductible and accident cover, the monthly premium at Helsana in 2027 ranges from CHF 411.00 (canton of Zug) to CHF 785.00 (canton of Geneva). With a higher deductible or a model, the premium is lower.
Which models does Helsana offer?
In 2027, Helsana has premiums for 4 model types: 1 tariff of the Standard type, 4 tariffs of the GP/HMO type, 1 tariff of the Flex type and 2 tariffs of the Telemedicine and other type. Which of them apply where you live depends on the catchment area.
Is Helsana more expensive than other insurers?
On average across all of the insurer’s premium regions, the 2027 index is 99.0 (100 = average of all insurers in the same regions; adults, standard model, CHF 300 deductible, with accident cover). This varies by canton; the table above shows every canton. For where you live, what counts is the comparison in the premium calculator.
Sources
- FOPH, register of approved health insurers, as of 01.01.2026priminfo.admin.ch
- FOPH, health insurance premiums 2011–2027 (opendata.swiss)opendata.swiss
- FOPH, supervisory data for compulsory health insurance (T 5.01), data as of 22.05.2025bag.admin.ch
- FOPH, KVG solvency test (KVD, reserves of health insurers)opendata.swiss
- Helsana: website (address), retrieved on 25.09.2026helsana.ch
- Helsana: website (physician search), retrieved on 25.09.2026helsana.ch
- Helsana: website (contact), retrieved on 25.09.2026helsana.ch